1343 Two Harbors Rd, Two Harbors, MN 55616 Property Records

St. Louis County property record for 1343 Two Harbors Rd, Two Harbors, MN 55616

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,534 sqft · built 1929
Lot Size	20 acres (871,200 sqft)
Owner	Individual Name on File
Last Sale	$205,000 (Oct 2017)
Tax Bill	$1,174 (2026)
Deeds & Mortgages	Apr 2021 Mortgage Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`210-0010-06320`

Property Details

APN / Parcel Number

Primary APN	`210-0010-06320`
Alternative APN	`1040318`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,534 sqft Gross Area
1st Floor Area	1,092 sqft
Basement Area	100 sqft
Finished Basement	100 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1972
Exterior Material	Metal
Construction Type	Frame
Lot Area	871,200 sqft (20 acres)
Garage Area	672 sqft

Exterior Amenities

Porch	Slab
Porch Area	88 sqft
Deck Area	340 sqft
Storage Building	140 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	1040318
Street Address	1343 TWO HARBORS RD
City	TWO HARBORS
State	MN
Zip	55616-8008
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	FAM
Legal Description	SE1/4 OF NE1/4 EX E1/2 SERIAL #
Legal Range	12W
Legal Township	53N
Legal Section	35
Legal Subdivision	ALDEN TOWN OF
Jurisdiction	ST LOUIS MN
Township / Civil Division	ALDEN
Census Block Group	1
Census Block	1025
Census Tract	10601

Owner

1343 Two Harbors Rd is owned and occupied by an individual who bought it in October 2017.

Source: St. Louis County records, as of August 17, 2026

Owner of Record	Individual Name on File
Mailing Address	1343 TWO HARBORS RD, TWO HARBORS, MN 55616-8008
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage NATIONAL BANK OF COMMERCE
Oct 24, 2017	Warranty Deed, Transfer · Conventional with PMI REPUBLIC BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 24, 2017 · Amount on File
Deed Sale	Oct 24, 2017 · Amount on File
Prior Sale	Jul 14, 2006 · Amount on File
Deed Document Number	2017991233
Prior Transfer Date	May 18, 2009
Prior Transfer Doc	0000871745
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	1343 TWO HARBORS RD, TWO HARBORS, MN 55616-8008
Transaction Type	Mortgage
Record Updated	Apr 29, 2021
Title Company	ST LOUIS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001038735
Date	Apr 2, 2021
Instrument	1038735

Lender

Name	NATIONAL BANK OF COMMERCE
Type	Bank
Address	SUPERIOR, WI 54880

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 1, 2036

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 24, 2017
Property Address	1343 TWO HARBORS RD, TWO HARBORS, MN 55616-8008
Document Number	000T991233
Instrument Date	Oct 20, 2017
Instrument	T991233
Transaction Type	Transfer
Record Updated	Aug 27, 2018
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$676.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1343 TWO HARBORS RD TWO HARBORS MN 556168008, TWO HARBORS, MN 55616-8008

Mortgage

Document Number	T991234
Date	Oct 24, 2017
Instrument	T991234

Lender

Name	REPUBLIC BK
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 23, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 1343 Two Harbors Rd was $1,174 with a homeowner's exemption, up 11.4% from the year before.

Source: St. Louis County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
County Subdivision	Alden Township
Unified School District	Lake Superior Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,174.00 (+11.39%) Homeowner's exemption
2025	$1,054.00 (-9.14%) Homeowner's exemption	$237,200 (+22.71%) Land $84,700 Building $152,500	$237,200 (+22.71%) Land $84,700 Building $152,500
2024	$1,160.00	$193,300 Land $71,600 Building $121,700	$193,300 Land $71,600 Building $121,700
2022		$167,200 Land $61,000 Building $106,200	$167,200 Land $61,000 Building $106,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1343 Two Harbors Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 24, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 1343 Two Harbors Rd is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Frontier DSL	10 / 1

May also be available: Zito Media.

Cell Coverage

No cell data coverage reported

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